BlastPoint's Credit Union Scorecard

NAVIGANT

Charter #62882 · RI

Mid-Market 3B-5B

78 CUs in 3B-5B nationally 2 in RI

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NAVIGANT has 5 strengths but faces 3 concerns

National Analysis

How does the industry compare?

Mid-Market Tier

What's your peer group doing?

RI Analysis

How does RI stack up?

Key Strengths

Areas where this CU excels compared to peers

+ ROA 0.11% above tier average
+ Strong member growth: 5.3% YoY
+ Loan-to-Member Ratio (LMR): Top 5.1% in tier
+ Average Member Relationship (AMR): Top 7.7% in tier
+ Total Loans: Top 9.0% in tier

Key Concerns

Areas that may need attention

- Liquidity Strain: Bottom 11.0% in tier
- Indirect Auto Dependency: Bottom 45.8% in tier
- Efficiency ratio 0.31% above tier (higher cost structure)

Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (RI)	National Avg	Tier Percentile
Members	170,060 +5.3% YoY+1.9% QoQ	-50.4K	220,435 -7.6% YoY	36,204 +9.0% YoY	33,913 +5.7% YoY	20%
Assets	$4.2B +5.4% YoY+2.3% QoQ	+$268.7M	$3.9B -1.5% YoY	$787.6M +11.2% YoY	$578.3M +9.0% YoY	59%
Loans	$3.6B +5.1% YoY+1.9% QoQ	+$739.4M	$2.9B -1.1% YoY	$657.2M +10.2% YoY	$402.4M +8.7% YoY	Top 10.3% in tier
Deposits	$3.6B +5.1% YoY+3.0% QoQ	+$334.7M	$3.3B -2.5% YoY	$658.7M +12.2% YoY	$494.3M +9.1% YoY	70%

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Tier 1

50+ financial metrics with peer benchmarks

Performance signatures (strengths & concerns)

AI-generated insights and rankings

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ROA	0.8% +163.2% YoY+51.8% QoQ	+0.1%	0.7% +10.6% YoY	0.4% +126.0% YoY	0.4% -39.2% YoY	58%
NIM	3.0% +17.2% YoY+10.9% QoQ	-0.2%	3.2% +4.6% YoY	3.0% +2.3% YoY	3.8% +4.1% YoY	37%
Efficiency Ratio	71.6% -8.5% YoY-4.6% QoQ	+0.3%	71.3% -2.6% YoY	87.4% -0.7% YoY	84.6% +2.8% YoY	54%
Delinquency Rate	0.3% -0.8% YoY-34.7% QoQ	-0.4	0.7% +9.2% YoY	0.4% -7.6% YoY	1.2% +3.4% YoY	Top 12.8% in tier
Loan To Share	100.0% -0.0% YoY-1.1% QoQ	+12.0%	88.0% +0.9% YoY	77.1% +1.0% YoY	65.6% -1.4% YoY	83%
AMR	$42,721 -0.2% YoY+0.6% QoQ	+$12K	$30,672 +5.5% YoY	$26,738 +8.0% YoY	$19,920 +1.6% YoY	Top 9.0% in tier
CD Concentration	28.5% -10.9% YoY-5.6% QoQ	-0.3%	28.8%	27.4%	19.8%	50%
Indirect Auto %	21.7% -3.8% YoY+1.9% QoQ	+3.6%	18.1%	10.6%	7.7%	64%

Signature Analysis

Strengths (0)

No strengths identified

Concerns (2)

Liquidity Strain

risk

#59 of 148 • Bottom 11.0% in tier

Loan demand outpacing deposits. They're bumping against liquidity limits - need funding solutions.

Why This Signature

Loan-to-Share Ratio: 100.00%

(Tier: 84.20%, National: 65.58%)

but better than tier avg

Loan Growth (YoY): 5.10%

(Tier: 6.71%, National: 1.74%)

worse than tier avg

148 of 384 Mid-Market CUs have this signature | 367 nationally

→ Stable (149→148 CUs) -1 CUs YoY | Rank worsening

Indirect Auto Dependency

risk

#150 of 198 • Bottom 45.8% in tier

Significant portion of loan portfolio in indirect auto (>15%). This concentration creates dependency on dealer relationships.

Why This Signature

Asset Growth (YoY): 5.42%

(Tier: 6.82%, National: 1663.40%)

worse than tier avg

Indirect Auto %: 21.69%

(Tier: 18.07%, National: 7.73%)

worse than tier avg

Member Growth (YoY): 5.27%

(Tier: 3.50%, National: 10.19%)

but better than tier avg

198 of 384 Mid-Market CUs have this signature | 745 nationally

↓ Shrinking -10 CUs YoY | Rank worsening

Metric Rankings

See how this credit union ranks across all tracked metrics compared to peers.

Strengths: Metrics in the top 25% (75th percentile or higher) | Concerns: Metrics in the bottom 25% (25th percentile or lower)

Compare against:

Comparing against 78 peers in tier

Top Strengths (6 metrics)

Loan-to-Member Ratio (LMR)

engagement

Value: $21,360

Peer Median: $13,137

#5 of 78 Top 5.1% in 3B-5B tier

Average Member Relationship (AMR)

engagement

Value: $42,721

Peer Median: $28,813

#7 of 78 Top 7.7% in 3B-5B tier

Total Loans

balance_sheet

Value: $3.63B

Peer Median: $2.92B

#8 of 78 Top 9.0% in 3B-5B tier

Net Charge-Off Rate

risk

Value: 0.15%

Peer Median: 0.46%

#10 of 78 Top 11.5% in 3B-5B tier

Total Delinquency Rate (60+ days)

risk

Value: 0.33%

Peer Median: 0.54%

#11 of 78 Top 12.8% in 3B-5B tier

Loan-to-Share Ratio

balance_sheet

Value: 100.00%

Peer Median: 90.65%

#13 of 78 Top 15.4% in 3B-5B tier

Top Weaknesses (2 metrics)

First Mortgage Concentration (%)

balance_sheet

Value: 52.60%

Peer Median: 32.80%

#68 of 78 Bottom 14.1% in 3B-5B tier

Total Members

engagement

Value: 170,060

Peer Median: 212,824

#62 of 78 Bottom 21.8% in 3B-5B tier